DA analyst said, "Improved health can allow bank to start focusing outward after a long road. HAFC has been burdened by higher credit costs, regulatory orders, and capital pressures since 2008. With a more aggressive asset disposition strategy paying benefits via lower NPAs and classified assets, and a successful series of capital offerings, we think HAFC is better positioned to turn its focus toward growth opportunities as the economic recovery continues."

"Our initial 2012 and 2013 EPS estimates are $2.19 and $0.77, respectively. Excluding the $1.59 DTA-related benefit from 2012 yields an EPS estimate of $0.60. On an apples-to-apples basis we project pretax income growth of 29%."

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